Has anyone noticed how well the Grandma is cast and acted? Is it a voiceover to get that hackle raising feeling? The commercial is actually a negative call against having "Blah Blah" insurance but really gets the job done.

What or who is the little kid waving at before his grandmother appears. He is looking to his left and seems to be waving at someone in the distance, but the only people to his left are the Agent and the guy in the other car and all four of them are right in a row.